Canada has issued a lot of American Express
cards, but choosing more than one will naturally cause certain difficulties for
consumers. I have been using Express Card for a long time. In this article, I
will provide my own analysis and opinions, hoping to help readers to have a
clearer understanding of the many cards of the company. The Express Card
currently removes the income requirements for applicants in Canada, and it is
very easy to apply for these cards as long as they have a good credit history
in Canada.

In this article, according to their
respective characteristics, I have divided the equity card, return card and “one-year card”. You can apply on demand.

Blogger’s card

At present, my personal daily consumption and
Wanda hotel consumption all use AmEx SPG, ticket consumption and FHR hotel
reservation and bulk electronic consumption (such as laptops, cameras) all use
AmEx the Platinum Card, for food (I generally go to Sobeys /Safeway) I use AmEx
Cobalt.

Equity card

The equity card of Express is currently
worthy of being held is the platinum card. The annual fee for the equity card
is relatively high (commercial platinum $499, personal platinum $699). From a
long-term perspective, you can choose one to held. However, if you travel a lot
in a year, the benefits you receive could cover the fee. From the perspective
of equity, the benefits of the two Platinum Cards are basically the same (the
Business Platinum Card has a few more business-related insurances), and they
are given an unlimited Priority Pass, a Hilton/SPG/Carlson Gold Card, and a car
rental. Very good discount (Hertz/Avis). In addition, there is a reimbursement
limit of $1000 for a 4-hour personal/ticket delay.

Return card

In terms of high-return cards, AmEx SPG
jointly issued by American Express and Starwood Hotels Group is one of the
essential cards in the shepherd’s wallet. This card is divided into a
commercial version and a personal version, and it is worthwhile to reward each
application for the card opening (the other one can be retained, long-term as
the main card). AmEx SPG gets 1 Starpoint for every $1 spent, and Wanda House
gets 2 Starpoints for every $1 spent; the average rate of return is around 4%,
which is Canada’s current highest average return on credit card.

Return
card

In terms
of high-return cards, AmEx SPG jointly issued by American Express and Starwood
Hotels Group is one of the essential cards in my wallet. This card is divided
into a commercial version and a personal version, and it is worthwhile to apply
both of them for the card opening rewards. AmEx SPG gets 1 Starpoint for every
$1 spent, and Wanda House gets 2 Starpoints for every $1 spent; the average
rate of return is around 4%, which is Canada’s current highest average return
on credit card.

At the end
of 2017, AmEx launched a “shopping card for dining”, AmEx Cobalt. The
highlight of this card is that it can earn 5 times points (equivalent to almost
10% return) for restaurant meals and Grocery consumption.

One year card

In addition, some cards are suitable only for the purpose of
obtaining the card-issuing bonus. I personally define these cards as “one-year card” – after completing the card-rewarding
requirements, you can clear the bill and
cancel the card in next year.

MR class

In the one-year card, the card for accumulating MR is given the
first priority. The reason is that the MR of the Express is really convenient
to use, and the return rate of the SPG or the air route is relatively high.
Gold Rewards (Personal Gold) is free of the first year’s annual fee, and the
customer can still take 25,000 MR, double the points for refueling.. However,
after canceling the annual fee for the first year, this card will have one year
worth of value.

Corresponding Business Gold Rewards (commercial gold), the annual
fee is $250, also a standard one-year
card, three-month consumption of $5000 to get 40,000 MR, is suitable for people
with strong spending power. This card is a god card for those who are really
commercially available and can provide cash flow through the AE card:
cardholders can choose 3 Suppliers to double the relevant spending. Those who
are interested in conditions can use this card to take cash flow, and the
brushing is very fast.

Cash Back

There are currently Simply Cash (up to $250 for 5% cash back in
the first 6 months) and Simply Cash Preferred (up to $300 for 5% cash back in
the first 6 months), the former has no annual fee, and the latter has $99
annual fee. Both cards are used for half a year to buy food cards. However,
after the Cobalt, these two cards are less popular. I personally suggested do
not apply these two unless you do not have other option

Air Miles class

The Air Miles cards issued by Express are all Credit Cards. The
advantage is that you can use Air Miles to exchange business class tickets,
which greatly enhances the flexibility of your Air Miles. In addition, it is
best to cooperate with a BMO Air Miles World Elite. A 15% discount on Air Miles
when you redeem your ticket)

Air Miles Platinum Card ($65 per year) and Air Miles Credit Card
(no annual fee) have 2000 and 500 Air Miles card awards. In contrast, it is
definitely the priority to apply for the former.